Help & FAQs

If your Montana CU credit, debit, or ATM card is lost or stolen, we encourage you to turn the card “off” in digital banking. Either in our mobile app or online banking, look for Card Control in the menu. From there, tap or click on the appropriate card, and follow the prompts to either lock your card, report it lost, change your PIN, or adjust controls and alerts.

We also recommend you give us a call at (406) 727-2210 so that we can help make sure there is no fraud or theft on your card, and discuss options for either reopening your card or getting you a replacement card. After business hours, please call 1-888-297-3416 for assistance.

If your Montana CU card was not returned during your transaction on this terminal, please contact us either through your mobile app, or through the Contact Us option below. Then, please go into your Montana CU mobile app, click on Card Control, and turn your card off for additional security.

If the card that is captured is not a Montana CU card, please contact your issuing financial institution.

If your transaction was not completed, please contact us. We will research and get back to you within 3 business hours.

Please contact us at your earliest convenience, either by phone (call or text) at (800) 721-2242 or (406) 727-2210, through the mobile app, or through the Contact Us option below.

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For general questions, you can call or text us at (406) 727-2210. You can also email supportcenter@montanacu.com or log into digital banking and send a message.

Monday – Thursday: 9:00am – 5:00pm
Friday: 8:30am – 5:30pm

You can update your contact information or address in digital banking. Once you log in, look for Contacts & Settings in the Tools & Information menu header. From there, you can select the appropriate updates you would like to make.

You can also stop by a branch, or call us at (406) 727-2210 or 1-800-721-2242 to make these changes.

Our mailing address is:

Montana Credit Union

PO Box 5027

Great Falls, MT 59403

Simply touch the screen to work with one of our tellers directly. Our tellers are available Monday through Friday from 7:30am – 6:00pm, and Saturday from 9:00am – 1:00pm. If you are unable to connect with a teller during those timeframes and need to speak with us, please call or text us at (800) 721-2242 or (406) 727-2210.

If you don’t need to speak to a teller, you can just insert your ATM or debit card to conduct your transaction.

Signing up for Digital Banking is simple. Just go to our website, montanacu.com, or download the Montana Credit Union mobile app, and select “Don’t Have an Account? Enroll.”

Make sure you have access to your phone and email – you’ll need them both to verify your enrollment.

If you have any trouble logging in, please give us a call at (406) 727-2210 or stop by a branch, and we would be happy to help you enroll.

Getting started is easy — simply download the free app for your Apple® or Android™ device.

With mobile banking, your local branch is always open! You can view your account balances, transfer funds between your Montana Credit Union accounts, other members and even non-members, pay bills, and more all from the convenience of your mobile phone.

You’ll enjoy:

• Mobile Deposit – deposit a check from your mobile device any time, any place
• Safe and secure Bill Pay
• The ability to manage your Montana CU debit, credit and ATM cards through Card Controls
• Easily transfer funds between accounts
• Apply for a loan conveniently and securely
• Grant access to friends and family members

All members are eligible for mobile banking, but certain features are available only after you’ve been a member for 60 days.

Mobile banking is just another free service that we offer to our members at Montana Credit Union.

To access mobile banking, simply download the Montana Credit Union Mobile App through your device’s app store. You can also find a direct link to our app on our website’s homepage, www.montanacu.com. Our mobile banking app should work on any mobile device that has an Internet browsing program, an active data plan, and a reasonable signal through which to transmit and receive data.

Because security is one of our greatest concerns, our mobile app features multiple layers of security to protect your personal financial information. We also encourage the use of Passkeys and biometrics to log into mobile banking, which further protects your information.

If your phone is lost or stolen, your personal banking information is still secure. If someone tried to access your accounts from your phone, they would still need your User ID and password to log in. Please call the credit union to lock your account until you can locate your phone, or establish new, secure login and password information.

SMS Banking, or text banking, allows you to retrieve information and manage your accounts via text message from your mobile device. Simply text a command to Montana Credit Union’s shortcode 86020 to receive information on account balances, transaction history, or to transfer funds between your Montana Credit Union accounts. In our Mobile App, simply activate your phone in the SMS Banking field to get started!

ONLINE BANKING SECURITY NOTICE

Your online security is supremely important to us. Our digital banking offers multiple layers of security for our members, from the log in process to services available within digital banking. While it might seem like we require a couple extra steps when enrolling in digital banking, you can trust that these extra steps increase our digital banking security.

We want to remind you to never share your digital banking username or password with anyone. Many thieves and fraudsters will be very persistent in trying to get this information from you, and will sometimes call you, email you, or text you to get this information. Please do not respond to these requests, or click on any links in emails or texts. We will never contact you asking for your digital banking information or debit or credit card information. If you have any doubts about the legitimacy of a call, email or text, please either hang up or delete the message, and then contact us directly.

PASSWORDS AND BIOMETRIC SECURITY

Montana Credit Union would like to stress the importance of using strong PINs/passwords. We require using PINs/passwords which are at least eight characters in length, alphanumeric, case sensitive, and require the use of at least one special character (such as ! # $ % &, etc.).

In addition to a strong password, we encourage you to use strong security measures such as biometric authentication when logging in (either by Face ID or Fingerprint ID), and enabling a Passkey.

We are happy to help you set these up – just stop by a branch or give us a call!

SECURITY SOFTWARE

Montana Credit Union recommends that all members install antivirus, anti-spyware, and anti-malware programs on their home computers. It is also important to keep signature files updated by downloading and installing updates on a daily basis.

PUBLIC ACCESS COMPUTERS

Be aware of the risks associated with using a publicly accessible computer to access your Credit Union accounts. Computers accessible to the public may be infected with viruses and/or malicious software, such as Trojans and keyloggers.

Scroll to the top of this page — or any page on our website — and click the “Log In” button in the top right corner. Enter your information into the corresponding field.

In our mobile app, if you’ve enabled biometric settings, you’ll be logged in by your face or fingerprint when you open up our app. Otherwise, enter your username and password, and tap Sign In.

PAGE NOT FOUND ERROR

If you are trying to reach the Digital Banking Login page from a bookmark and are receiving an error message, the address has changed, or the page has been eliminated. Please remove the old bookmark, access the page by typing https://www.montanacu.com/ in the address bar, or click the links above.

TIME-OUT ERROR

If you have received a Time Out error message, please retry your connection by closing out and going back in to https://www.montanacu.com/, or use your browser’s ‘Back’ button.

We apologize for any inconvenience you may experience with the website. Please feel free to contact us with your concerns.

Alerts are a great way to keep tabs on what’s happening with your Montana Credit Union accounts! In digital banking, click or tap on the Tools & Information menu. From there, select Manage Alerts.

Security alerts can be enabled to notify you if any changes are made to your personal contact information, failed login attempts, and if you’ve received any secure messages from us.

Account alerts can be enabled to notify you of balance changes, share certificate maturities, loan payment due dates, transactions above or below specific dollar amounts take place.

Please email supportcenter@montanacu.com or fill out the Contact Us form below to start the process.

Mobile deposit allows you to take pictures of the front and back (endorsed) of a check payable to you and make an instant deposit to your account.

All members who have maintained an eligible checking or savings account for 60 days, are currently enrolled in online banking, and who have accepted the Mobile Deposit Terms and Conditions are eligible to use mobile deposit. Use of mobile deposit is subject to final review by Montana Credit Union, which may include information obtained from a consumer reporting agency such as a credit bureau or ChexSystems.

No, mobile deposit is just another one of the free services we offer at Montana Credit Union.

There are monetary limits on the amount of deposits you can make. Members may deposit up to $2,500 per business day. However, multiple checks (up to 5) can be included in one deposit, and multiple deposits may be submitted as long as the accumulated dollar amount of the deposit(s) does not exceed the daily $2,500 limit.

Simply sign the back of your check as you would a regular check deposit, and include the text “For Mobile Deposit Only” below your endorsement. Ensure you are in a well-lit area with indirect lighting. Place your check on a solid color, dark surface. Take a picture of the front of your check, then take a picture of the back of your check. Your check will be deposited into the account you designate (any of your Montana Credit Union checking, savings, or loan accounts). Check the History tab to ensure that your check has been accepted; just because your check is “received,” does not mean we will accept and deposit it. Please retain your original check(s) for at least 30 days after your mobile deposit is accepted. After that time, you should securely destroy the original check(s).

Single-party, domestic checks made payable to the owner of the Montana Credit Union account may be deposited through mobile deposit. At this time, we are unable to accept the following checks:

• Any item drawn on your own account
• Any item that has already been accepted or rejected for deposit
• Any item that is stamped with a “non-negotiable” watermark
• Any item that contains evidence of alteration to the information on the check Any item that is incomplete
• Any item that is “stale-dated” or “post-dated” (meaning 6 months or older) Savings Bonds
• Any third party check (any item that is made payable to another party and then endorsed to you by such party)

Our policy is to make funds from your cash and check deposits available to you on the same business day that we receive your deposit in one of our branches. Generally, the first $500 of your mobile deposit will be available the same business day we receive your deposit. We will place a two day hold on amounts deposited via mobile deposit over $500. Longer delays may apply for items where the credit union has a reasonable doubt of collectability, for accounts deemed not in good standing, or in the event of an emergency causing a failure of communication equipment. All funds availability are subject to approval. Any communication we send about a hold on your funds supersedes any previous communication you may have received from us.

Always endorse your check, just as you would when depositing it at one of our branches Take photos of your checks in an area with good, but indirect, lighting, preferably on a solid color, dark surface. Make sure the bottom of the check is aligned with the base guideline on the camera when taking a picture of your check. Make sure the entire check appears in the camera guidelines and fills the space as much as possible. Keep your checks for 30 days after depositing through mobile deposit. Always remember to log out of our mobile app when you are finished with your banking. Our wish is to keep your accounts secure at all times!

Our Support Center is available to assist should you have questions about mobile banking, SMS text banking, or mobile deposit. You can reach us at (406) 727-2210 or 1-800-721-2242.